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Institution

Crezcamos S.A. Calle 47 # 29 - 65 SotomayorBucaramanga, Santander
Data approved: 2011-03-15
Data version: 1
Age of data: 162 months

Institution

AMK - Angkor microheranhvatho (Kampuchea) # 442, St. 193, Toul Svayprey 1ChamkarmornPhnom Penh, CambodiaN/A
Data approved: 2010-09-22
Data version: 1
Age of data: -   months 

Product

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Product

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Product Summary

Number borrowers1,319
Loan Amount (range)COP 500,000 - 13,390,000
Loan Term (range)6 - 36
Other Services (text summary)Credit Ins
Annual Interest & Method28.8%-34.0% annual, Decl Bal
Fees18,638.00-37,250.00 upfront 4.50%-7.50% ongoing
Insurance0.50% ongoing
TaxNone
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component42.1% - 49.3% (Int+Fee)
Insurance Component0.3% - 1.1%
Tax Component Range0
Full APR (int fee ins tax dep)43.0% - 50.2%
Transparency Index (min/max)57 - 73
Transparency Index (average)62

Product Summary

44,851
KHR 200,000 - 800,000
0
Credit Educ, Group Mtgs, Other Training
3.0% annual, Decl Bal
None
None
None
N/A
 
0
0

Product Details

Key Statistics
Outstanding portfolio (COP)COP 2,731,661,555
Portfolio (USD)USD 1,500,912.94
Active Clients with Loans1,319
Approximate % Female Clients20% - 40%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Es un crédito que financia la producción o comercio de bienes y en general lo que el cliente necesite para su negocio agropecuario.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Product Details

Key Statistics
Outstanding portfolio (KHR)KHR 24,453,155,000
Portfolio (USD)USD 6,113,288.75
Active Clients with Loans44,851
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity group
Village bankingx
Self help group
Other
Description
Loan Purpose
Any purpose
Income generationx
Mortgage/housingx
Consumer loanx
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visits
Business training
Other trainingx
Other
Other (2)
No other services
Eligibility
Men
Women
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyCOP
Minimum loan sizeCOP 500,000
Maximum loan size13,390,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term36.0 months
Approx average0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterlyx
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyKHR
Minimum loan sizeKHR 200,000
Maximum loan size800,000
Loan Term and Grace Period
Shortest loan term0
Longest loan term0
Approx average0
Distribution at Disbursement (Est.)
Loans 3 months or lessN/A
Between 4 and 6 monthsN/A
Between 7 and 9 monthsN/A
Between 10 and 12 monthsN/A
Between 13 and 18 monthsN/A
Longer than 18 monthsN/A
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest2.40%
Highest quoted nominal interest2.83%
Reason(s) why interest rate variesN/A
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionConsulta Centrales de Riesgo
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min18,638
Fixed amount - max37,250
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Fees
Fee 1
DescriptionLey Mipymes, Comisiones y Honorarios y Administracio del Credito (See Comments: Annual + IVA)
% of loan amount - min4.50%
% of loan amount - max7.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
Ins 1
DescriptionSeguro de Vida Requerido
% of loan amount - min0.50%
% of loan amount - max0.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No
Additional Comments
Sobre el valor que se cobra de comisiones y honorarios se cobra un impuesto de IVA del 16%. No se incluyó como impuesto en la sección anterior porque no se liquida sobre el desembolso ni sobre el valor de la comisión. De otra parte se liquida proporcionalmente al plazo de la obigacion y las tasas expresadas son en tasas anuales.

Pricing Information

Interest
Lowest quoted nominal interest3.00%
Highest quoted nominal interest3.00%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?N/A
Is rate fixed for entire loan termN/A
Upfront Fees
This product has no upfront fees
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No
Additional Comments
This product for existing AMK clients who has borrowed 2 cycles and VB member only.

Full Pricing Data

CREDIAGRO samples
Sample 1Sample 2
Loan AmountCOP 1,500,000COP 3,500,000
Loan Cycle (1, 2, 3, etc)Not KnownNot Known
Disbursement Date2011-02-092011-02-11
Loan Term (Months)15.0 months24.0 months
Grace Period (Months)0.0 months0.0 months
Total Cost of CreditNot KnownNot Known
True Price by Comp   
Interest and Fee Component49.3%42.1%
Insurance Component0.9%0.9%
Tax Component0.0%0.0%
Deposit Component0.0%0.0%
Full APR (int fee ins tax dep)50.2%43.0%
Transparency Index5767
    
Original Repayment SchedulePDFPDF
MFT Pricing CalculationPDFPDF

Full Pricing Data

Credit Line (KHR) samples
No sample data for this product
CREDIAGRO Price Graphs


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Key Statistics
# Samples:
# Products
# Institutions
# Countries
# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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